Credit union · NCUA insured
Latino Community Credit Union
A $1.1B credit union headquartered in Durham, NC, with 125,782 members and 15 branches in North Carolina. Best rates: CDs 3.95% and savings 1.60% APY.
Latino Community Credit Union Carrot Score
85
Carrot Score
Higher than 68% of U.S. banks and credit unions
#19 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Latino Community Credit Union
Founded in 2000 in Durham, North Carolina as a grassroots response to robberies of Latino immigrants, Latino Community Credit Union focuses on serving unbanked individuals and immigrant communities.
The member-owned financial institution is a community development financial institution and credit union.
It operates branches across North Carolina, including Charlotte, Raleigh, Greensboro, Durham, Fayetteville, Winston-Salem, Carrboro, Garner, Monroe, and High Point, and offers mortgages in South Carolina, Georgia, and Virginia.
- Headquarters
- 6 Moore Dr, Durham, NC 27703
- NCUA charter
- 68430
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals can qualify for membership by joining the Latino Community Development Center (LCDC) with a one-time $8 individual membership fee, residing in the US, having a valid SSN or ITIN, and possessing a valid government-issued ID.
Cost to join
- A one-time individual membership fee of $8 is required to join the Latino Community Development Center (LCDC).
Branches
15 branches in North Carolina
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North Carolina
15 branches
Charlotte area · 5
- Charlotte Branch I3130 Milton Rd, Charlotte, NC 28215Directions
- Charlotte Branch II5910 South Blvd, Charlotte, NC 28217Directions
- Charlotte Branch University City Blvd8601 University City Blvd, Charlotte, NC 28213Directions
- Charlotte Meridian Place2510 Vista Dr, Charlotte, NC 28212Directions
- Monroe2980 Monroe Way, Monroe, NC 28110Directions
Durham area · 3
- Carrboro104 NC 54 Ste KK, Carrboro, NC 27510Directions
- Durham Branch100 W Morgan St, Durham, NC 27701Directions
- Durham North4251 N Roxboro St, Durham, NC 27704Directions
Greensboro area · 3
- Greensboro Branch3825 Gate City Blvd, Greensboro, NC 27407Directions
- Greensboro W. Market106 Muirs Chapel Rd, Greensboro, NC 27410Directions
- High Point2305 Westchester Dr, High Point, NC 27262Directions
Raleigh area · 2
- Garner Branch4418 Fayetteville Rd, Raleigh, NC 27603Directions
- Raleigh Branch4730 Capital Blvd, Raleigh, NC 27604Directions
Fayetteville area · 1
- Fayetteville Branch121 Bonanza Dr, Fayetteville, NC 28303Directions
Winston-Salem area · 1
- Winston-Salem branch1608 S Stratford Rd, Winston-Salem, NC 27103Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 24.23% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.81% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.78% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $118 | $88 | — |
- CapitalNet worth ratio24.23%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.81%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.78%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$118Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Latino Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.